Ayushmna Bharat Scheme was announced by Prime Minister Narendra Modi in his Independence Day Speech. The Scheme offers up to 5 lakh free health insurance. So let us check if you are eligible or not and what does Ayushmna Bharat offer.

Ayushman Bharat Scheme- What does it offer?

Once launched all over the country, Ayushman Bharat will give a medical cover of Rs 5 lakhs per family every year for secondary and tertiary medical care facilities.

Eligibility of Modicare is based on Socio-Economic Caste Census (SECC) database. In case you fall under this criteria, you will get the health insurance coverage without much effort.

In the scenario of being hospitalized, you are not liable to pay any amount to the government or empanelled private hospital. Ayushman Bharat scheme will provide you for the treatment.

Unlike other medical insurance schemes, Ayushman Bharat covers all kind of diseases. The scheme includes a benefit for both pre and post hospitalization expenses.

In order to avail the benefits of Ayushman Bharat, it is not mandatory to have the Aadhaar card, you can just carry the particular ID to get the free treatment at any government or empanelled private hospital

Ayushman Bharat scheme: What is the Eligibility criteria

For rural areas:

SC/ST households

Families of Manual scavenger

Legally-released bonded laborer

Primitive tribal groups

Families residing in only one room with “kuchcha walls and kuchcha roof”

Families with least one disabled member and no able-bodied adult member

Families who are headed by a female and no male is present aged between 16-59

Families without any adult members aged between 16 and 59

Landless households earning a major part of their income from manual casual labor

Destitute and those surviving on alms

For urban areas:

For the urban area the government has curated a list of 11 occupational categories of workers who are included in the list:

Beggar

Ragpicker

Street vendor/cobbler/ hawker/ other service provider working on streets

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